I
received an unsolicited new credit card in the mail. Since I
already had a credit card, I ignored this one. Next month, the
new credit card statement said that I owed $0.00. Since I had not yet
made any purchases on this credit card, I threw the bill
away. When I
received another bill for $0.00, I threw that one away too.
But the
following month the credit card company sent me a bill of $50 due to
late fees.

I
became very upset and called the credit card
company. They said it was a computer error and told me they'd take
care of it. A few days later, I actually used my new credit
card because I mixed it up with the other credit card that I normal
use. But my new credit card refused
payment and the cashier
looked at me in a funny way while he remarked that I am using a bad
credit card. I called the
credit card company and they apologized again saying that the only way
they were able to waive a penalty on a $0.00 balance was to suspend the
credit
card. But there is a $150 fee for re-activating a credit card.
When I angrily protested, the credit card support team
promised to
waive the $150 re-activation fee and to re-activate my credit card
immediately.

Next
month I got a bill for $0.00. I threw it away, but the following
month I received another bill for $0.00 and warning me about possible
late
payment fees. Frustrated, I decided to play with the credit card
company at their
own game, and mailed them a check for $0.00. Next month, the credit
card statement showed that they received the payment of $0.00
and I
did not owe them anything. I was very proud that I had
outfoxed the computer at its own game.

A week later, my
bank called me, wanting to know why I wrote a check for $0.00. After
giving them my lengthy explanation, the bank informed me that the $0.00 check
had caused their check processing software to fail. The bank could not
process ANY checks from ANY of their customers that day because my
check for $0.00 continued to crash their computer.

The
following month I received a bill of $100 from the credit card company
because my bank had returned my check of $0.00. I angrily called the credit
card support line, but they told me that they can do nothing about it
because my bank had actually returned my check of $0.00. They
suggested that I contact my bank. I wrote the credit card company an
angry letter threatening to report them to the federal government and
sue them. Next week, the credit card company called me and
informed me that they had waived my bad check penalty and cancelled my
credit card per my request. To confirm the cancellation, I used my credit card but
the transaction was denied. I was happy because my problems were finally over.

Next
month, the credit card company opened another unsolicited
account for me and gave me a 5% discount for every purchase that I
make because of my previous problems with their credit card. The
balance on my new credit card was $0.00.